So I just got my renewal from Rider insurance and they raised my premium by $245. I traded in my 06 road King in July and bought an 11 Wide Glide. Wasn't doing the long trips I once did and wanted something a little nimbler. So I called Rider and they said that since the new bike is faster, 1450 cc to 1573 cc, that is why my insurance jumped. I am like WTF it's a Harley, not a sports bike. So anyway I have to shop around. I called Allstate, who has my cars and the were $110 cheaper then Rider. Just figured I ask you guys before I commit to it.

 

Thanks.

Try Progressive, that's who i have now

 

I dumped Rider a long time ago.

I am still running with Foremost, have never had a problem with them, but I only need to go through the once for something and it was quick and easy,, and my rates stayed the same. I can't believe they went up that much for a few cubes, better not say anything when I take this extra set of jugs and bump mine up to 105 CI. Me I just wish NJ Manufactures covered MC's being I have 3 autos and a house covered by them.

Did you try USAA?

state farm has low rates for big cc bikes

Thanks Guys. Put in a quote request for Formost. Progressive was about the same as Allstate. Will have to check with USAA, they wouldn't insure me when my youngest was home, but now that he is in boot camp I will try them again.

State Farm has excellent rates as long as you have a clean record, over 25, etc.

Ive had Rider for 15 years and never a problem but if my rates went up that much i"d be pissed too and Hd2000fxdl gotta love NJM insurance also wish they covered bikes !!!

I paid Rider $366 last year for an 05 FXDX @ 1550cc, That's for the old fart discount and no tickets. If it goes up next year I'll shop around too. I think allot of Insurance companies want to bundle, Progressive usually suggest bundles in their commercial. That may be good for some but like a I like my home-owners & car insurance company,unfortunately (as in the above post) they don't do bike insurance..

If you would like to get a quote from State Farm shoot me a PM, I am an Insurance Producer for an Agent. (AKA I sell State Farm insurance)

 

I will add that you are able to attain a much better rate on the statefarm MC policy if we also insure a car(s) for you. You are able to get the preferred rates that way...

I remember from way back that Rider based their rates on engine size and the price difference was big going over 750cc worth of Honda. I switched to USAA a long time ago. They don't insure motorcycles unless you also have an auto policy with them.

 

Just looked it up....$426.80 for the full year, but I also have higher than minimum coverage

Eff Rider. Their coverage sucked for how much I was paying them.

 

I switched to State Farm and never looked back. Their coverage was much better and I was saving $300.

I have not found anyone to even come close to State Farm. They have the best rates I have found by far!

Try Progressive, that's who i have now

 

I dumped Rider a long time ago.

 

+1

 

Their premiums are high and their service is not the best if you ever actually need to use your insurance.

 

I paid slightly less than $200 for an R1150R BMW with Progressive. I think Rider was charging me $350.

Sounds like a lot of you just have basic liability. I'm shocked that not more have full coverage.

I have a company called Aegis insurance company. Its out of Pennsylvania but they sell motorcycle insurance to NJ residents. Its dirt cheap for me. They charge only like $79 a year for liability for my '79 KZ 650. I know an old bike is usually cheap on insurance but its definitely worth getting a quote. Im also not sure if you can go direct to Aegis but I had to buy my policy through an agent. If you are interested, I'll dig up the name and number of the agent I bought the policy through.

My progressive plan is $213 a year full coverage for my 06' honda VFR. Good thing its cheap as its a garage queen, but that's another topic.

Sounds like a lot of you just have basic liability. I'm shocked that not more have full coverage.

full coverage here...

Sounds like a lot of you just have basic liability. I'm shocked that not more have full coverage.

Definitely a good point to explore.

check out the state website. maybe you could get quotes from the different companies listed.

http://www.state.nj.us/dobi/division_consumers/insurance/autoinscontacts.htm#cycles

Thanks everyone I think I am going to go with Formost Insurance. They are almost half of what Rider wants. I will probably check out switching everything to USAA in the near future.

 

Unit Description: 2011 HARLEY DAVIDSON FXDWG DYNA WIDE GLID

Mailing State: NJ

 

How to use this estimate:

Review the coverages, deductibles and limits listed below.

Call us toll-free at 1-800-237-2060 to request coverage.

 

Type of Coverage Deductible Limit

 

Bodily Injury Protection 250000/500000

Property Damage Coverage 100000

Passenger Liability Included

Uninsured Motorist Bodily Injury 250000/500000

 

Uninsured Motorist Property Damage 100000

Underinsured Motorist Bodily Injury

250000/500000

Other Than Collision 500 Actual Cash

Value

Collision 500 Actual Cash Value

Towing and Roadside Coverage Reasonable

Expense

Optional Equipment 3500

Pedestrian PIP 250000

 

Annual Premium: $342.00

Sounds like a lot of you just have basic liability. I'm shocked that not more have full coverage.

 

I had full coverage with Progressive.

Sounds like a lot of you just have basic liability. I'm shocked that not more have full coverage.

 

Have for the last 28+ years have always carried full coverage for all my Auto's and Bikes, as well as homeowners and renters insurance from the time when I moved out of the house at 18 years old. For the cost savings vs. what could happen to me are just not worth it.

Have for the last 28+ years have always carried full coverage for all my Auto's and Bikes, as well as homeowners and renters insurance from the time when I moved out of the house at 18 years old. For the cost savings vs. what could happen to me are just not worth it.

 

Agree 100%, better to have it and not need it. Seems like a familiar thread on this forum .

Have for the last 28+ years have always carried full coverage for all my Auto's and Bikes, as well as homeowners and renters insurance from the time when I moved out of the house at 18 years old. For the cost savings vs. what could happen to me are just not worth it.

 

I completely agree. I got my first bike just outta high school and it was an old dropped-a-couple-times sport bike and knew I'd probably drop it once or maybe even go down at a low speed. So I got liability. Then once I rode it into the ground and put almost 25k miles on it the first year I had it, I sold it and bought a newer/nicer bike. It was my dream bike ever since I was little so I quickly changed my liability to full coverage. It's expensive [for me] but I don't care, it's completely worth it because especially with riding and motorcycles, you never know what's gonna happen.

Rider Ins. to me is only good for Modern mass produced post 1980 Motorcycles. They do not really offer anything more then lability for anything older then that. When I got into the Antique Motorcycle scene, I went with Allstate. I use Allstate for all of my stuff now.The rates are very reasonable for the type of motorcycles that I insure with them.

Back in the day I had Ryder for my Bikes. They were pretty cheap then, but my bikes were on the smaller size (So was I then )

I have a CRF250X and I have it insured with Rider in case someone every gave me a hard time on the trails. I've been riding for many years and had more bikes than I can remember insured by Rider. Never had an issue.

Sounds like a lot of you just have basic liability. I'm shocked that not more have full coverage.

Have for the last 28+ years have always carried full coverage for all my Auto's and Bikes, as well as homeowners and renters insurance from the time when I moved out of the house at 18 years old. For the cost savings vs. what could happen to me are just not worth it.

 

The savings with basic liability are definately not worth it. Even if you just pay extra for zero tort. When I got knocked off my Triumph, I was lucky enough to not endure any serious injuries, but I had to go through the other Insurance company ended up with a totaled bike which just covered payoff. So I became the proud owner of smashed bike, a crap load of road rash and a toe that cracks perminanly due to the developement of osteoarthritis from the injury, All because some idiot pulled out infront of me.

The savings with basic liability are definately not worth it. Even if you just pay extra for zero tort. When I got knocked off my Triumph, I was lucky enough to not endure any serious injuries, but I had to go through the other Insurance company ended up with a totaled bike which just covered payoff. So I became the proud owner of smashed bike, a crap load of road rash and a toe that cracks perminanly due to the developement of osteoarthritis from the injury, All because some idiot pulled out infront of me.

 

Sorry to hear about the accident.

 

I fully agree though, for the time I own a bike (which should continue for the rest of my life hopefully), I will always have full coverage.

 

I lowsided on a backroad in PA a couple years ago and thankfully I was wearing full leathers which I always wear when 'fun' riding. I was completely fine but my bike had a little under $1500 in damages. I would have had to pay that out of pocket if I had liability, but with full I payed my small deductible and they payed the rest. So simple and so easy, it's worth every penny.